Rollover basics without triggering taxes — it’s simpler than most people think. A lot of folks here in Southern Kentucky hesitate to move old retirement accounts because they're worried about accidentally triggering taxes. Here’s the good news: a rollover is tax‑free when done correctly. Here’s what keeps it safe and simple: ✔️ Use a direct transfer (plan → plan) ✔️ Don’t have the money sent to you ✔️ Set up the receiving account first If you want help making sure your rollover goes smoothly (and tax‑free), send me a DM with “Rollover.” Tax issues can be complex. Consult your tax professional before making a decision. #RetirementRollover #401kRollover #DirectRollover #RetirementPlanning #SouthernKentucky #KentuckyFamilies #FinancialGuidance

💡 Teachers: Make the Most of Your Q1 Pension & 403b Your pension and 403b are important tools for your future—and reviewing them regularly helps protect your retirement and your beneficiaries. In this 30-second video, I break down 3 simple checks you can do this quarter to make sure everything is on track. Even a few minutes now can prevent mistakes later. 📩 Have questions or want a walkthrough? Send me a DM—I’m happy to help! #Teachers #FinancialEducation #PensionCheck #403b #RetirementPlanning #MiddleTennessee #SouthernKentuck

💡 Got an old 401(k)? Don’t let it sit and lose money! You have three main options: 1️⃣ Leave it where it is – simple, but often higher fees. 2️⃣ Roll it into your current employer’s plan – keeps accounts together. 3️⃣ Move it to an IRA – more control and investment choices. Making the right choice now can save money, reduce taxes, and grow your retirement faster. 📩 DM me for a step-by-step guide to make the best choice for your family. #RetirementPlanning #401k #FinancialEducation #Families #PreRetirees

🎄 A Holiday Thank‑You to the Educators Who Shape Our Community 🎄 As we wrap up the year, I want to take a moment to celebrate a group of people who rarely get the spotlight but always deserve it: our teachers, principals, and school leaders. Every day, you pour energy, patience, and heart into your students. And this year, many of you opened your doors to me as I work to build my financial practice in our community. For that, I say Thank you! 🌟 A Personal Note Modern Woodmen is a nationally known name, but what I’m building is local, personal, and relationship‑driven. I’m growing a practice that supports the people who support our kids on a local level. I'm not interested in working with teachers in all 50 states, but I want to work with you that are making such an impact in the two state that I love- Kentucky & Tennessee. 👉 One Holiday Favor In my Christmas video, I mentioned this, but it matters enough to say again: Please don’t keep me a secret. If you know a teacher, staff member, or school family who could use guidance with life insurance or pension planning, an introduction means more than you know. Helping good people build confident futures is the core of what I do. 🎁 Before the year ends… What’s one moment from this school year that made you proud? I’d love to hear your stories. Wishing you rest, joy, and well‑deserved time with the people who fill your cup. Here’s to a brighter, stronger 2026 for you, your students, and our community. ✨ - Kaleb